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Good Idea...Lousy Name 13175

조회 수 16 추천 수 0 2019.11.03 19:27:36
Certainly, nobody asked the marketing people before picking out this 1. Who on earth thought up the name 'non-qualified deferred compensation'? Oh, it is descriptive ok. But who wants anything 'non-qualified'? Would you like a 'non-qualified' doctor, attorney, or accountant? What's worse is deferring payment. How many people want to work to-day and receive money in five-years? The thing is, non-qualified deferred compensation is a great idea; it just includes a poor name.

Non-qualified deferred compensation (NQDC) is a strong retirement planning tool, especially for owners of closely held corporations (for purposes of the article, I am only likely to cope with 'C' corporations). NQDC plans are not qualified for 2 things; some of the income tax benefits afforded qualified retirement plans and the employee safety provisions of the Employee Retirement Income Security Act (ERISA). What NQDC programs do offer is freedom. Great gobs of mobility. Freedom is something qualified strategies, after decades of Congressional tinkering, lack. The loss of some tax benefits and ERISA procedures might appear a really small price to pay when you consider the many benefits of NQDC programs.

A NQDC program is a written contract between the corporate employer and the worker. The contract covers compensation and employment which is offered later on. The NQDC agreement gives to the employee the employer's unsecured promise to cover some potential advantage in exchange for services to-day. Learn further on close remove frame by going to our grand paper. The promised future advantage could be in one of three common kinds. Some NQDC plans resemble defined benefit plans in that they promise to cover the worker a fixed dollar amount or fixed percentage of income for-a period of time after retirement. Another type of NQDC resembles a precise contribution plan. A fixed amount adopts the employee's 'account' annually, sometimes through voluntary pay deferrals, and the worker is entitled to the stability of the account at retirement. The last sort of NQDC approach provides a death benefit to the employee's designated beneficiary.

The key benefit with NQDC is mobility. With NQDC strategies, the employer could discriminate openly. The employer can pick and choose from among employees, including him/herself, and benefit just a select few. The company can treat those opted for differently. The advantage stated do not need to follow the principles associated with qualified plans (e.g. This thrilling your home business paper has some refreshing warnings for why to mull over it. the $44,000 for 2006) annual limit o-n contributions to defined contribution plans). The vesting schedule can be regardless of the employer would like it to be. Dig up further about buy here by visiting our cogent web resource. By using life insurance services and products, the tax deferral element of qualified plans could be simulated. Correctly written, NQDC plans don't end in taxable income to the worker until payments are made.

To acquire this freedom both employee and employer should give something up. The company loses the up-front tax deduction for the contribution to the plan. However, the employer will get a deduction when benefits are paid. The worker loses the security offered under ERISA. Nevertheless, usually the staff involved is the company owner which mitigates this problem. Also you can find practices available to give you the staff having a measure of protection. In addition, the marketing people have gotten your hands on NQDC ideas, so you'll see them called Supplemental Executive Retirement Plans or Excess Benefit Plans among other names..

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